Loan Census Banking News and Information
January 19, 2021  
 
 
  Business Loan Information  
 

Tracy, California Small Business Loans

 
Loan Census SBA Loan Info

Looking for a Tracy, California small business loan? We were annoyed by how hard it was to find city-specific small business lenders so we created this page just for you.

If you are looking for a small business loan and your business is based in Tracy, California, we've put together a list of local small business banks that you should contact.

Local Tracy Business Loan Sources

To assist you in finding a small business banker, here's our list of small business banks in Tracy.

Small Business Bank Recent SBA Loans
Bank Of America  
Bank of Stockton - Other Offices- Tracy  
Bank Of The West 1
Community Banks - Northern Cal 12
Pacific State Bank 1
Service 1st Bank 17

Banks that Lend to Tracy Businesses

This is a list of banks outside of Tracy, California that have provided SBA loans to Tracy businesses. Some of these may be national banks with local branch locations.

Small Business Bank Recent SBA Loans
Banco Popular North America
New York City, NY
1
Bank Of America
Charlotte, NC
17
Bank Of Stockton
Ripon, CA
1
Bank Of The West
Sacramento, CA
1
Bank Of The West
San Francisco, CA
3
Bank Of The West
Stockton, CA
1
Bank Of The West
Truckee, CA
5
Business Lenders, LLC
Hartford, CT
1
California Bank & Trust
Sacramento, CA
1
Capital One
Mclean, VA
10
Cit Small Business Lending Corp
Livingston, NJ
5
Citibank
Las Vegas, NV
3
Citibank
San Francisco, CA
1
Comerica Bank
Dallas, TX
4
Cupertino National Bank A Division
Cupertino, CA
1
Farmers & Merchants Bank - Cent.
Elk Grove, CA
3
First Republic Bank
Walnut Creek, CA
1
Fullerton Community Bank, FSB
Fullerton, CA
1
Ge Cap. Small Business Finan Corp
St. Louis, MO
1
Greater Bay Bank
Palo Alto, CA
1
Heritage Bank Of Commerce
San Jose, CA
2
Innovative Bank
Oakland, CA
17
Lehman Brothers Bank, FSB
Wilmington, DE
1
Merrill Lynch Bank Usa
Salt Lake City, UT
1
Pacific State Bank
Stockton, CA
1
San Jose National Bank A Division
San Jose, CA
1
Service 1st Bank
Stockton, CA
6
Sterling Savings Bank
Santa Rosa, CA
3
Sterling Savings Bank
Spokane, WA
1
Temecula Valley Bank
Temecula, CA
1
U.S. Bank National Association
Cincinnati, OH
3
Umpqua Bank
Roseville, CA
2
Union Bank Of California
San Francisco, CA
2
Valley Community Bank
Pleasanton, CA
2
Wachovia SBA Lending, Inc.
Roseville, CA
1
Wachovia SBA Lending, Inc.
Sacramento, CA
1
Washington Mutual Bank
Henderson, NV
7
Washington Mutual Bank
Irving, TX
1
Wells Fargo Bank
San Jose, CA
9
Wells Fargo Bank
Sioux Falls, SD
5
Wilshire State Bank
Los Angeles, CA
1
Zions First National Bank
West Valley City, UT
1

Tracy Bank Loan Tips

Before meeting with banks to discuss getting a bank loan, you will need to determine exactly what size loan you will be asking for.

You need to be able to clearly introduce your business to the banker, explain how much you want to borrow, describe what the money will finance, and show how you intend to to pay the money back to the bank.

Being able to present a well-written business plan is is critically important. If the bank loan is to for an existing business, you should also have financial statements covering the last three years. You will also need to discuss what collateral you have available to secure the loan. Collateral is relevant because banks always want to be prepared for a worst-case scenario in which cash flow from the business does not meet your projections.

If the business has few assets, you will likely be asked to to guarantee the loan with your personal assets, such as stocks and bonds that you might own or life insurance policies. The banks will check on your personal credit history in any case, so hopefully you have good credit history -- you may want to get a copy of your credit history prior to meeting with the banker.

Many of these banks participate in the financial assistance programs available through the SBA. Prior to visiting local banks, you may want to read up on on SBA loans programs to see if you qualify. SBA 7(a) loans, SBA 504 loans and SBA disaster assistance loans may be available to you.

Gaebler.com Advice on Raising Money

Invest the time to learn as much as you can about Raising Money. To get started, we recommend you read 504 Loans.

Business Loan Sources for Other Cities in California
Get a Business Loan in Torrance
Get a Business Loan in Truckee

Browse All Business Loan Sources for California